Chesapeake Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Other borrowed money dropped 63.6% in Q2 2026, from $55.0M to $20.0M. It was the largest change from Q1 2026 among the key lines here. Within Virginia, Chesapeake Bank is 38th of 56 on loan-to-deposit ratio, 74.97% as of Q2 2026. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Chesapeake Bank sits 13.23 points lower, at 74.97% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $31.9M |
| Cash and noninterest-bearing balances to assets | 1.85% |
| Cash and securities | $527.2M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $23.2M |
| Other borrowed money | $20.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.16% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 74.97% |
| Net loans and leases to deposits | 74.17% |
| Loans and leases to core deposits | 80.16% |
| Core deposits to total deposits | 82.75% |
| Brokered deposits to total deposits | 11.73% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 67.83% | 90.46% | $20.6M | $10.0M |
| Q4 2023 | 68.11% | 88.35% | $429K | $62.0M |
| Q1 2024 | 67.11% | 86.33% | $0 | $30.0M |
| Q2 2024 | 66.90% | 86.36% | $3.4M | $20.0M |
| Q3 2024 | 64.42% | 83.04% | $0 | $20.0M |
| Q4 2024 | 66.04% | 84.83% | $6.1M | $0 |
| Q1 2025 | 65.10% | 82.12% | $0 | $0 |
| Q2 2025 | 64.56% | 83.56% | $2.3M | $0 |
| Q3 2025 | 67.16% | 83.61% | $19.0M | $0 |
| Q4 2025 | 68.19% | 84.55% | $12.6M | $0 |
| Q1 2026 | 73.38% | 82.63% | $17.7M | $55.0M |
| Q2 2026 | 74.97% | 82.75% | $23.2M | $20.0M |
Chesapeake Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Chesapeake Bank, freeSource: Call Report Schedules RC and RC-M, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Chesapeake Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6862) · FFIEC NIC profile (RSSD 214722)